{
  "snapshot_at": "2026-10-22T13:24:39Z",
  "brand": "Central Murray Bank",
  "brand_slug": "central-murray-bank",
  "product_id": "S7_Std",
  "cdr_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S7_Std",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S7_Std'",
  "note": "Verbatim `data` object of the bank's CDR product detail response, as fetched. The live endpoint needs the x-v header shown in how_to_fetch and will not open in a browser.",
  "data": {
    "features": [
      {
        "featureType": "NPP_ENABLED",
        "additionalInfoUri": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfoUri": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "5000.00",
        "additionalInfoUri": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/"
      }
    ],
    "fees": [
      {
        "name": "ATM_TRANSACTIONS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.75"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.centralmurray.bank/personal-banking/fees-charges-and-rewards/"
      },
      {
        "name": "BUSINESS_CHEQUE_DEPOSIT_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.80"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.centralmurray.bank/personal-banking/fees-charges-and-rewards/"
      },
      {
        "name": "DECLINED_ATM_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.75"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "DECLINED_EFTPOS_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.75"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "DEPOSITED_CHEQUE_DISHONOUR_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "DIRECT_DEBIT_DISHONOUR",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "DIRECT_DEBIT_PROCESSING",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.20"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "DUPLICATE_DEPOSIT_BOOK",
        "feeType": "PURCHASE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "EFTPOS_CHARGE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.75"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "FUTURE_DATED_BPAY",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "FUTURE_DATED_EFT_-_EXTERNAL",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "FUTURE_DATED_OSKO",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.20"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "MEMBER_CHEQUE_PRESENTMENT_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.40"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "OTC_BPAY",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.centralmurray.bank/personal-banking/fees-charges-and-rewards/"
      },
      {
        "name": "OTC_CASH_WITHDRAWAL",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "OTC_EFT_EXTERNAL",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "OTC_TRANSFERS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "OVERSEAS_VISA_DEBIT_ATM_WITHDRAWAL",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "VISA_SERVICE_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P3M",
        "tiers": [
          {
            "name": "PREMIUM BUSINESS_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "4999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0005",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P3M",
        "tiers": [
          {
            "name": "PREMIUM BUSINESS_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000.00",
            "maximumValue": "19999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P3M",
        "tiers": [
          {
            "name": "PREMIUM BUSINESS_Tier_3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "49999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P3M",
        "tiers": [
          {
            "name": "PREMIUM BUSINESS_Tier_4",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "maximumValue": "99999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0015",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P3M",
        "tiers": [
          {
            "name": "PREMIUM BUSINESS_Tier_5",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "100000.00",
            "maximumValue": "199999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0015",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P3M",
        "tiers": [
          {
            "name": "PREMIUM BUSINESS_Tier_6",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "200000.00",
            "maximumValue": "299999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0015",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P3M",
        "tiers": [
          {
            "name": "PREMIUM BUSINESS_Tier_7",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "300000.00",
            "maximumValue": "399999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0015",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P3M",
        "tiers": [
          {
            "name": "PREMIUM BUSINESS_Tier_8",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "400000.00",
            "maximumValue": "499999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0015",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P3M",
        "tiers": [
          {
            "name": "PREMIUM BUSINESS_Tier_9",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "500000.00",
            "maximumValue": "599999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0015",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P3M",
        "tiers": [
          {
            "name": "PREMIUM BUSINESS_Tier_10",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "600000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/"
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "S7_Std",
    "lastUpdated": "2026-07-31T14:40:18.000+10:00",
    "name": "PREMIUM BUSINESS",
    "description": "PREMIUM BUSINESS",
    "brand": "CENTRAL MURRAY CREDIT UNION LIMITED",
    "brandName": "CENTRAL MURRAY CREDIT UNION LIMITED",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.centralmurray.bank/business-banking/premium-business-account/",
      "termsUri": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/",
      "eligibilityUri": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/",
      "feesAndPricingUri": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/"
    }
  }
}